Visa Classic Paralympic donor credit card
Payment in installments without interest and deferred payment up to 40 days
Every time you make payments with Visa Classic Paralympic card, Banca Intesa donates money to the Paralympic Committee of Serbia Fund. This way, for more than 8 years so far, together with the Paralympic Committee, we continue to substantially improve the position of athletes with disabilities, encourage the development of Paralympic sport in Serbia and help with preparation and participation of our team at the Paralympic games.
Via this stable and independent mechanism, we continuously contribute to the success of our athletes:
-Our national team is approaching its one-hundredth medal at the Paralympic Games, with a total of 96 wins since the beginning of these games
-Serbian table tennis national team member Borislava Peric-Rankovic was named the World's best table tennis player with disability in 2015.
- Benefits
- Visa Classic
- Representative example
This credit card provides the following:
With this card, we're giving away 30% of your monthly membership fee and 0.45% of the revenue from each of your payments in the country and abroad, and we deposit those funds to the account of the Paralympics Committee of Serbia Fund. This way we provide you with the ability to help Paralympic sports in Serbia simply by using this card, at no extra cost. In order to stimulate a more extensive use of this credit card, we enabled a lower membership fee: annual membership fee is 1,920 dinars for the basic card and 840 dinars for each additional card and is paid in 12 monthly instalments.
Other fees related to this card can be seen on the website of Banca Intesa within the tariff booklet.
Benefits of using Banca Intesa Visa Classic Paralympic credit cards are:
PAY IN INSTALMENTS WITHOUT INTEREST in more than 6,000 retail outlets across the country with which the bank has a business cooperation agreement. The total amount of the transaction is divided into equal monthly instalments, and as such is completely interest-free. The number of instalments is agreed upon with the retailer (with a maximum of 12), and the first instalment is due immediately.
DEFERRED PAYMENT WITHOUT INTEREST UP TO 40 DAYS at any retail outlet in the country and abroad.
SPECIAL DISCOUNTS UP TO 25% at retail stores of our partners until the end of the year.
A fixed interest rate is calculated on top of your debt in dinars in the amount of:
·18.43% per annum (Effective Interest Rate on an annual basis of 19.77%)
A fixed interest rate is calculated on the amount of debt in euros in the amount of:
·12.60% per annum (Effective Interest Rate on an annual basis of 13,96%)
Interest is calculated by using a compound interest method.
Domestic expenditure is calculated in dinars, while expenditure made abroad is calculated in euros. The deadline for the settlement of the minimum monthly commitment falls on the 10th of the month. Commitments can be settled via Banca Intesa On-line service, Intesa Mobi service, a standing order, payment in person at a terminal of Banca Intesa, or terminals of other banks, as well as the Post Office. If you prefer, you can pay an amount that is greater than the minimum monthly commitment or pay the total amount of liabilities
Example of the minimum monthly commitment calculation:
| Transaction | Amount in RSD |
| 1. Purchase at the POS terminal | 10,000.00 |
| 2. Cash withdrawal at the ATM | 5,000.00 |
| 3. Purchase in instalments (6.000 in 3 instalments) | 2,000.00 |
| 4. Membership fee | 160.00 |
| 5. Cash withdrawal commission | 150.00 |
| 6. Interest | 300.00 |
| Total debt | 17,610.00 |
| Monthly commitment (5% on items 1+2+3+4+5+6) | 880.50 |
| Type of loan | Revolving credit card – Visa Classic Affinity Paralympic |
| The currency in which the limit is approved | EUR |
| Criteria for indexing | Dinar equivalent per NBS middle exchange rate on the funds withdrawal date |
| Limit amount | 250–2,500 EUR |
| Deposit | No deposit |
| The repayment period | 36 months |
| Interest rate | ·18.43% for consumption in RSD, fixed ·12.60% for consumption in EUR, fixed |
| Effective interest rate on an annual basis | ·19.77% for consumption in RSD ·13.96% for consumption in EUR |
| Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate | |
| Annual membership fee | 1,920 RSD |
| 2 promissory notes | 100 RSD |
| Credit Bureau report | 246 RSD |
| Type of loan | Revolving credit card – Visa Classic Affinity Paralympic |
| The currency in which the limit is approved | EUR |
| Criteria for indexing | Dinar equivalent per NBS middle exchange rate on the funds withdrawal date |
| Limitamount | 2,500 EUR |
| Deposit | / |
| The repayment period | 36 months |
| First Instalment Amount * | 14,007.74 RSD 125.00 EUR i 100.00 RSD |
| Interest rate | ·18.43% for consumption in RSD, fixed ·12.60% for consumption in EUR, fixed |
| Effective interest rate on an annual basis | ·19.77% for consumption in RSD ·13.96% for consumption in EUR |
| Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate | |
| Annual membership fee | 1,920 RSD |
| Credit Bureau report | 246 RSD |
| 2 promissory notes | 100 RSD |
(*)the amount of the first revolving instalment is 5% of the realized expenditure in the first accounting period and does not include interest (interest for the first accounting period is not calculated), while each following revolving instalment amounts to 5% (minimum 100 RSD/5EUR) of the remaining debt, which includes the accrued interest, due instalment amount in case of payment in instalments and related fees.
You can receive other calculations with this product in any of our Bank's branches.